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What is an HPI car check? HPI checks explained

Learn why an HPI check can be helpful when buying a used car

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Purchasing a used car can be daunting, so an HPI check can be just what you need to make that final decision.

Taking a look into the history of the car and finding any abnormalities with finance or insurance companies is a great step to cover your back. That's why an HPI check is so handy.

Find out what is an HPI check and how they can give you peace of mind.

Buying a used car

Looking over a potential car thoroughly, taking it for a test drive and checking documents, such as the V5C or logbook, are the first steps when buying a used car.

However, it's vital to also invest in a Vehicle History Check. Probing into the history of cars is a competitive field and there are plenty of providers. 

What is an HPI check?

HPI Check is the oldest and best known report supplier, and has become a generic term for checking a car’s background.

The check will find any worrying information on the used vehicle you're buying, including information held by the DVLA, the police, and finance and insurance companies.

This could help you discover things like outstanding debts on the car, if the car is stolen, or if it's an insurance write-off.

Alternatives include the RAC Vehicle History Check, plus similar services from the AA and My Car Check.

To give you an idea of cost, an HPI Check Report costs from £9.99 – a drop in the ocean compared to the thousands of pounds it might cost you if an outstanding debt is uncovered. 

What does HPI stand for?

'HPI' stands for 'Hire Purchase Investigation' and gets its name from the original company that first offered these checks.

An HPI check can offer information such as the number of previous owners, mileage, crash history data, and MOT status.

Hidden history

A good car history check should alert you to any worrying information held against the vehicle by finance and insurance companies, the Driver and Vehicle Licensing Agency (DVLA), and the police.

In other words, it's the first line of defence against automotive fraud.

It will confirm whether the vehicle is subject to any of the following:

1) Outstanding finance

Car finance and logbook loans stay with the car so you could be buying someone else’s debt.

This means that the car is still legally owned by a finance company under a Hire Purchase (HP) or Personal Contract Purchase (PCP) arrangement, and cannot be sold on. 

2) Insurance write-off

It's possible that your dream car may at some stage have been involved in a serious accident and 'written off' by an insurance company.

Insurance write-offs should not return to the road, and can be really dangerous.

3) Cut 'n' shut

In simple terms, this type of vehicle is created by welding together the remains of two or more cars that may have been involved in accidents and are probably both insurance write-offs.

The practice is illegal, the car is unlikely to be roadworthy and could prove lethal in an accident.

4) Number plate change

A history check might flag up a registration plate that's not original.

It could be perfectly innocent and it's simply been swapped with a personalised or cherished plate, but it could also be more sinister.

Also remember that a car’s number plate must always match the one on the V5C registration document, or logbook.

5) Imports and exports

Discovering that your new car has been imported or is recorded as an exported vehicle could prove costly.

An imported car is a lot more expensive to insure, while any vehicle that has been recorded as exported should not be in the country and may be uninsurable.

6) Colour change

Some vehicles are resprayed more than once during their lifetime which can ring alarm bells.

Has it been re-painted after an accident, for instance?

If the vehicle has had a colour change recorded, a good car history check should advise you of the original colour and the number of previous changes recorded.

7) Other checks

The vehicle history check will also confirm whether a car has been stolen or scrapped, the number of previous keepers, reveal a mileage record and check if the logbook and VIN numbers (a vehicle’s unique code) match so you can avoid buying a cloned car.

Most common issues

A sample of RAC Vehicle History Checks covering more than 32,000 separate used cars for sale in the UK (March 2019) flagged up a multitude of possible issues.

More than half (52%) had a hidden history and the most common issue was a change of number plate, with more than one-in-four (27.5%) vehicles analysed having recorded such a change. 

Nearly one-in-five (17.6%) vehicles were still in the process of being ‘paid off’ by previous owners despite being advertised for sale, while 14.2% of vehicles checked were deemed insurance write-offs.

Buyer beware

You may also see adverts for ‘Free HPI Check’, but HPI warns that imitation car checker services that claim to offer a free service will not provide you with the genuine article.

You can also get a surprising amount of information on the background of a car for free, including its MOT history, mileage and whether it has road tax.

It’s possible that some companies might try to charge you for this basic information, so beware when you search Google with terms such as Check My MOT History, Car Mileage Check and MOT Mileage Check.

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